Info-Line

Call 1 800 499-4415 to first obtain your Info-Line User ID.
Get information about your coverage and the status of your claims at any time, using our Interactive Voice Response system. Speak to one of our Customer Service representatives, from Monday to Friday, during normal business hours.

Please have your policy and certificate numbers on hand to help us serve you quickly and efficiently.

Secure access to information 24/7

Get your latest benefits information by phone at any time using our automated system. You can check your coverage, the status of recent claims and the last five claims payments made to you.

If you would like to use this secure line, please ask a Customer Service Representative to provide you with a User ID.

Your benefits information is also readily available online in the VIP Room.

If youâ€™re travellingâ€¦

If your plan includes Travel assistance, the numbers to call for help are on the back of your Insurance Certificate.

What is covered under my plan? What form do I need? Was my claim paid?

The VIP Room gives you secure access to the latest information on your benefits and claims â€“ all you need is your User ID and password.

Log in at any time to:

View your personal information and a summary of your benefits with Standard Life.

Consult your employee booklet
Refer to your employee booklet to see what is covered under your plan. You will find specifics on each benefit that answer your most pressing questions, such as â€śWhat can I claim?â€ť and â€śHow much is covered by my plan?â€ť

Complete and print personalized forms
Simply select the form you need and fill in the required fields onscreen. To save you some time, your personal and plan information are already entered in our most frequently used forms.

Check the status of your claims
See if your claim has been received and click on the Explanation of Benefits for details of the expenses you submitted and the total reimbursed.

Sign up for direct deposit
Why wait for your cheque to come by mail? Take advantage of our direct deposit service and have your claims payments deposited directly into your bank account.

Print a copy of your Insurance certificate
If you misplace your Insurance Certificate, please notify your plan administrator so that we may issue you a new one. You can also print a temporary copy of it from the VIP Room.

Your drug insurance coverage is an important part of your group insurance plan. Pharmaceutical research continuously introduces new and improved medications to better treat many illnesses.

However, since the cost of certain medications can sometimes be very high, you have access to programs designed that offer you enhanced coverage.

By coordinating your group insurance plan with provincial programs, you will benefit from a specialty drug reimbursement and control the rising cost of your plan.

What are the provincial specialty drug programs?

Certain drugs are eligible for a specialty drug program. The program, which is implemented by a provincial government, involves the full or partial reimbursement of certain eligible drugs for specific conditions.

To coordinate the claims of eligible drugs, Standard Life requires that they be initially presented to the provincial specialty drug program. Any non-covered amounts will then be processed by Standard Life.

How will you benefit?

The coordination of claims with the Specialty Drug Programs is beneficial because it allows you to receive a reimbursement of up to 100% of the costs for some selected specialty drugs.

How does this program work?

Who will tell me if my medication is part of a Specialty Drug Programs?

Generally, your doctor will tell you if the prescribed medication is part of one of the Specialty drug programs. Your doctor will also be able to assist you with the registration process.

What will happen at the pharmacy?

As applicable, a message at the pharmacy will inform your pharmacist that registration for a Specialty Drug Program is required.

To find out how to register for a Specialty Drug Program step by step, please refer to the fact sheet.

How does the coordination work?

The programs implemented by the provincial governments provide either entire or partial reimbursement of the costs related to certain eligible drugs for specific conditions.

If the program does not reimburse the entire cost?

If the program only reimburses a portion of the cost of the prescribed medication, the remaining amount to pay may be eligible for reimbursement under your group insurance plan according to the terms and conditions of your policy.

If you are not eligible for the Specialty Drug Program?

In this case, your claim will be processed according to the terms and conditions of your policy.

A copy of your applicationâ€™s acceptance or refusal letter from the provincial program will be required in any case.

Find out more

The Prior Authorization Program provides you with access to specialty and biologic drugs, which are generally expensive, based on certain clinical criteria and in accordance with indications approved by Health Canada.

What is a Prior Authorization Program?

This program aims to ensure that prescribed medications are used more cost-effectively and give you access to specialty and biologic drugs, whenever necessary.

You can choose to cover the cost at the pharmacy before the request for Prior Authorization has been completed. If your request is accepted, you will be reimbursed according to the contract provisions of your plan. However, if your request is denied, you will have to pay for your treatment. You can also decide to wait for a decision before starting your treatment.

How long will it take to receive a decision?

You will receive Standard Lifeâ€™s decision within 10 business days.

If my claim is approved, what will happen?

You will receive a letter confirming the approval and the approval period. You can go to the pharmacy to have your prescription filled. Your renewals will be covered during the entire approval period. Please make sure another request is filled before the end of the approval period.

If my application is denied, what will happen?

If your request is denied, you may decide to cover the cost of your treatment. You can also check with your doctor if another treatment may be adequate for you. Itâ€™s also possible that some information in your initial request was missing. If this is the case, your doctor can provide this information in order to get your request reassessed.

This program is designed for insured patients suffering from one of the five targeted illnesses, or who have a spouse or child living with one of them, and whose prescribed medication has been authorized.

What are the five targeted illnesses?

Multiple Sclerosis

Rheumatoid Arthritis

Psoriasis

Psoriatic Arthritis

Crohn's Disease

Why this program?

To help minimize or delay the consequences of the disease on daily life beyond the known symptoms and effects associated with the medication.

Because in addition to having to deal with sleeping and eating difficulties often encountered, other issues can be experienced. Some examples include: managing several medical appointments, transportation difficulties, reactions of family and friends, and anxiety about the future.

What services are included?

Depending on the disease and needs, many coaching services, support services and individualized programs are offered on a voluntary basis:

What is the Generic Substitution Program?

The Generic Substitution Program provides reimbursements for drugs based on the cost of less expensive generic drug. The program recommends generic substitution options or mandatory generic substitutions.

How will you benefit?

Generic drugs on average cost between 40% to 50% less than brand name drugs. By choosing a generic drug you can contribute to help control the cost of your plan. Ask your pharmacist to provide you with the generic version of the drugs you are being prescribed when available.

How does this program work?

Generic substitution

When a claim for a brand name drug is prescribed, coverage will be based on the cost of the less expensive generic drug unless the doctor has handwritten "Do not substitute" on your prescription. You will continue to be able to purchase the drug of your choice and be reimbursed as per the terms and conditions applicable to your plan.

Mandatory Generic Substitution

When a claim for a brand name drug is prescribed, coverage will be based on the cost of the less expensive generic drug even if the doctor has handwritten "Do not substitute" on your prescription. Medical evidence that a prescribed drug cannot be substituted must be submitted in order for the brand name drug to be covered. In that case, you will need to fill out the Reimbursement Request - Brand name drug coverage form and have your doctor sign and outline the health reason the brand name drug is necessary.

If my claim is approved, what will happen?
You will receive coverage for the brand name drug according to the terms and conditions specified in your group insurance policy.

If my claim is denied, what will happen?
You may decide to take the generic version of the brand name drug or you may want to talk to your doctor to discuss alternatives. If you still wish to get the brand name drug, it will be reimbursed at the generic price.

What are generic drugs?

Generic drugs are low-cost versions of brand-name drugs and are produced by several manufacturers once the exclusivity patents expire on the brand-name versions. There are no differences as far as quality, purity, effectiveness, and safety between generic drugs and higher-priced brand-name drugs. All drugs including generic drugs sold in Canada must be approved by Health Canada. The active ingredient in a generic drug and brand name drug must meet the same scientific norms and standards set by Health Canada. The difference in price between the brand name drug and the generic drug can be significant mainly due to patent protection, research and development and marketing costs of brand name drugs.

What are the ingredients of a generic drug?

The active ingredient in a generic drug and brand name drug must meet the same scientific norms and standards set by Health Canada. However, there are other non-medicinal ingredients in a drug product that differentiate the products such as its shape, color and taste.

For a very small number of cases, under special circumstances, your doctor may want to prescribe you a brand name drug if he thinks that the generic version may not be appropriated for you. In that particular case only, you may ask your doctor to fill out the Reimbursement Request - Brand name drug coverage form and have him sign and outline the health reason the brand name drug is necessary and cannot be substituted.

Find out more

Life is full of unexpected events. Extra coverage can help you prepare for some of them.

You may not currently be getting all of the protection you want with the basic insurance coverage provided in your group plan. Optional coverage is an inexpensive way to further protect your family, and yourself, in the event of death or serious injury.

The following options may be available to you:

The advantages of extra coverage

Benefit from lower group rates

Adapt your insurance coverage to your needs and lifestyle

Add extra coverage for your spouse and dependents

Optional coverage can be added or modified at any time

Hassle-free payments made through payroll deductions.

Optional coverage can be based on multiples of your salary or a flat amount, depending on your group insurance policy. Simply refer to your employee booklet or contact your plan administrator for more details on the specifics of your plan.

Optional Life Insurance

Optional life insurance enables you to leave something more for the ones you love, after your death. Spousal life insurance can be especially important if you are a dual-income family where both incomes are needed to meet your obligations and maintain your lifestyle. Dependent life insurance can provide some financial help during a difficult time.

To apply for coverage for yourself, your spouse or your dependents, simply complete the Optional benefits GE8002 and the Evidence of insurability G1053 forms. Please make sure you detach and keep for your records the Notice regarding the Medical Information Bureau (MIB Inc.), found at the bottom of the Evidence of Insurability form.

If you terminate your employment, you can replace all or part of your optional life coverage with an individual life contract within 31 days of cancellation, without having to provide medical evidence. Discover more on this topic by going to I want to keep my benefits.

Optional Accidental Death & Dismemberment

Should you or your dependents die, suffer an accidental loss of a limb or any other qualifying injury, optional Accidental Death & Dismemberment insurance goes a long way in offering financial security and help with rehabilitation.

With this extra coverage, you and your loved ones could benefit from:

Alterations to your home

Modifications to your vehicle

Reimbursed day care expenses

Education for dependent children

Occupational training for your spouse

To apply for coverage, no evidence of insurability is needed. Simply complete the Optional benefits GE8002 form to apply for yourself, your spouse or dependents.

Need help solving personal, family or professional problems? For life's many situations, Inter-Aide provides you and the eligible members of your immediate family with tools and resources.

What is Inter-Aide?

Inter-Aide is a voluntary, confidential, short-term counselling and support service that may be offered to you and your immediate family members. Call our Info-Line or contact your company's plan administrator or Human Resources department to find out if you benefit from this service.

What does it offer?

Help is available at any time by phone, internet or in person. You and your family can call on Inter-Aide for:

Counselling services

A simple phone call connects you and your family to a network of specialists, including professional counsellors, psychologists and social workers. Inter-Aide counsellors are experienced and trained to help with:

Family matters such as relationship and couple issues, separation/divorce, youth or parenting issues, blended family challenges

Depression, anxiety and other mental health concerns

Dependencies such as compulsive gambling and alcohol and drug abuse

Work-related difficulties such as professional burnout, workplace stress, career orientation and job dissatisfaction

Wellness Assessment

What is the Wellness Assessment?

This online lifestyle questionnaire is available through the Health and Wellness Companion1 website. The main objective of the Wellness Assessment is to identify your health risk factors. Once the questionnaire has been filled out, you will receive a customized confidential health profile and recommendations for improving your habits.

The Health and Wellness Companion site contains the Wellness Assessment, as well as additional resources which allow you to:

Your group life insurance coverage may be coming to an end for any number of reasons. Standard Life's conversion privilege lets you continue to benefit from the same life insurance coverage you previously had under your group plan.

You may be faced with the cancellation or reduction of your group life insurance coverage due to:

Retirement

Change of employer

Termination of your employment

Termination of your company's policy

Conversion privilege allows you to convert all or part of your group life insurance coverage to individual life insurance with no medical evidence needed.

To be eligible, your request for conversion must be received within 31 days of the termination of your group life insurance coverage. Please refer to your employee booklet or contact your plan administrator to check if this option is available to you, and to get more information on specific requirements. Your spouse may also be eligible for the conversion privilege.

What are the advantages?

No need for medical evidence! You are not required to undergo a medical exam or fill out forms on your medical condition

A quick and easy way to keep your life insurance coverage

You and your loved ones can continue to enjoy the same peace of mind, knowing you are still covered

Choose the individual life insurance product that best suits your needs

How do I apply?

Following the receipt of your form, an authorized advisor, such as your broker or a broker designated by Standard Life, will contact you. They will provide you with a policy illustration and detailed information on individual life insurance products to help you choose the right plan for you, and help you complete the Application for Group Life Conversion.

To help you decide

Click on the following link to the conversion microsite. This site provides valuable information on the types of plans available and guides you through how to apply for the coverage and complete the simple application form. Contact information. Is here too, in case you have questions or need additional information.

No more paper forms to fill out and mail.

Another simple and efficient way to submit your claims electronically from participating health care professionals, directly from their point-of-care.

Throughout Canada, more than 15,000 physiotherapists, chiropractors and vision care providers as well as other participating health care professionals, such as acupuncturists, massage therapists and naturopathic doctors, registered in specific provinces, will be able to submit claims on behalf of their patients.

How will you benefit?

Claims instantly processed at the health providerâ€™s point-of-care

Out-of-pocket amount limited to the portion not covered by your plan

No more paper forms to fill out and mail

Reduced delays for reimbursement

An easy way to help reduce environmental footprint

Who are the health care professionals offering this online service?

To find out which health care providers in your area offer this online service, simply enter your postal code in the search tool.

I need to purchase a prescription drug. How does my drug card work?

With your drug card prescription drug claims are settled at the pharmacy. Simply present your personalized drug card to your pharmacist and avoid the hassle of filling and sending forms.

Regardless of whether you have a pay direct drug card or a deferred payment drug card, here is what your card offers you:

Claim reimbursements for you and your dependents

Protecting your health

Protecting your privacy

Not sure what kind of card you have? Contact your plan administrator or consult your employee booklet in the VIP Room for details about your card and the deductibles, ineligible drugs, and other conditions that apply.

Pay-direct drug card

Your claim is automatically processed and the pharmacist informs you of the remaining balance that you must pay. This amount is limited to the portion of the claim not covered by your plan (deductible, co-payments, ineligible drugs, provincial drug coverage and maximum price limitation).

Deferred payment drug card

With the deferred payment drug card, you must pay the cost of the prescription at the pharmacy. Your pharmacist will then register the claim electronically - eliminating the need for you to fill and send a claim form. You will be advised, on the spot, of the amount that will be reimbursed based on your drug coverage.

You will be reimbursed when your total claims go beyond a specified maximum dollar amount or time period, as determined by your group plan.

Can't find your drug card?

If your card is lost or stolen, please advise your plan administrator immediately. Upon notification Standard Life will issue you a replacement card.

Claim reimbursements for you and your dependents

If both you and your spouse have drug cards with your respective insurers, the pharmacist will use both cards to determine how the two plans can best cover your drug expenses. No forms will be required and the claim will be processed in its entirety.

Claims for eligible dependents will take into consideration any coverage your spouse may have. It is therefore very important to keep your plan administrator informed of any changes to information regarding your dependents.

Protecting your health

Your drug card comes with an online drug utilization review. This confidential service protects you against the inappropriate use of medication and any interference between prescription drugs you may be taking. If the online drug utilization review reveals such threats to your health or that of your family members, the pharmacist will be immediately notified electronically.

Another safety feature of your drug card is that it limits the amount of medication you receive at one time, unless you are taking a maintenance drug intended for ongoing use.

Protecting your privacy

When you or your dependents use the drug card, you are expressing your consent for your pharmacist to provide the information required to process your claim, including the online drug utilization review and coordination of benefits.

All personal information gathered is protected, and is used and disclosed for claims administration and statistical reporting purposes only. You can rest assured that your identity is protected every step of the way in compliance with confidentiality laws and regulations.

At the pharmacy

Contact Info-Line for any questions or problems you may have encountered at the pharmacy when using your drug card.

Your wallet-size Insurance Certificate is both practical and essential. It bears your policy and certificate numbers required for all claims, as well as the numbers to call if you have any questions or need assistance. Be sure to keep it handy at all times.

If your dentist is a member of the CDAnet™ (Canadian Dental Association network), you do not have to complete a dental claim form. Your dentist can submit your claim electronically. You will not have to complete a dental claim form and your claim will be processed even faster.

Tip: To avoid any unpleasant surprises, you can confirm the exact amounts to be reimbursed by submitting an estimate of the claim before undergoing a treatment.

If you anticipate that dental expenses will exceed $500, we recommend you submit an estimate of the claim to Standard Life. For medical expenses, you should submit an estimate of the claim if you expect to incur substantial costs.

Your dependent child may still be covered if they are under 25 and a full-time student. If you are a Quebec resident, your dependent child is covered for health insurance benefits up to and including 25 years of age. You must complete a Confirmation of school attendance G2229 PDF (82Kb) form.

Under certain conditions, you can convert your group life insurance coverage to an individual life contract without evidence of insurability within 31 days of the termination of your coverage. Your new premium will be based on the contract you select. For more information, click on I want to keep my benefits.

In an effort to minimize cases of insurance fraud, we have set up a confidential Anti-Fraud Tip Line at 1-877-543-2333. You may leave a message with details regarding activities you suspect may be fraudulent, along with your name and phone number, so we can follow up, though you may remain anonymous if you so choose. You may also contact us by email at antifraud@standardlife.ca.